EP0517405A2 - Signature verification method - Google Patents

Signature verification method Download PDF

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Publication number
EP0517405A2
EP0517405A2 EP92304695A EP92304695A EP0517405A2 EP 0517405 A2 EP0517405 A2 EP 0517405A2 EP 92304695 A EP92304695 A EP 92304695A EP 92304695 A EP92304695 A EP 92304695A EP 0517405 A2 EP0517405 A2 EP 0517405A2
Authority
EP
European Patent Office
Prior art keywords
signature
account number
file
block
database
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP92304695A
Other languages
German (de)
English (en)
French (fr)
Inventor
Thomas Beherumal Lall
Richard Lee Gutridge
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
NCR International Inc
Original Assignee
NCR International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by NCR International Inc filed Critical NCR International Inc
Publication of EP0517405A2 publication Critical patent/EP0517405A2/en
Withdrawn legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/35—Individual registration on entry or exit not involving the use of a pass in combination with an identity check by means of a handwritten signature
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0018—Constructional details, e.g. of drawer, printing means, input means

Definitions

  • This invention relates to a signature verification method suitable for use in verifying signatures at a point of service (POS) work station.
  • POS point of service
  • the document US-A-4 617 457 discloses a system for cashing documents such as cheques, which utilizes a customer-operated automated teller machine (ATM) in cooperation with equipment at a teller station where a human teller also participates in the evaluation of the document itself.
  • ATM automated teller machine
  • customer inserts his personal identification card containing his account number, whereafter a PIN (personal identification number) verification procedure is effected.
  • PIN personal identification number
  • the customer keys in the monetary amount of the cheque to be cashed and feeds the cheque into the ATM.
  • MICR data on the cheque is then read to provide the account number of the drawer of the cheque.
  • the drawer's account number, account balance and file signature are accessed from disk storage and visually displayed to the teller on a monitor screen.
  • the drawee's account number, account balance and file signature are also displayed on the monitor screen, together with a visual image of the cheque.
  • the teller then examines the screen and on the basis of a comparison of information on the displayed cheque image and retrieved data, including a signature comparison, permits or refuses the cheque cashing transaction.
  • a signature verification method characterized by the steps of: entering an account number into a terminal for a transaction; sending said account number to a database coupled to said terminal; sending a file signature associated with said account number from said database to said terminal; displaying said file signature; effecting a signature operation to provide a current signature; and visually comparing said current signature with said file signature.
  • the point of service (POS) work station 12 is part of a system 10, which in a first embodiment includes a point of service (POS) terminal 14, a monitor 16, a printer 18, a signature database 20, a write input apparatus 22, and an optional magnetic stripe reader (MSR) 24.
  • POS point of service
  • MSR magnetic stripe reader
  • the POS terminal 14 is the heart of the system 10. It can be any suitable device of that type, such as a class 7052 terminal with monochrome monitor, marketed by NCR Corporation, Dayton, Ohio. Keyboard 26 may be used to enter account information if there is no magnetic stripe reader 24, or if a card's magnetic stripe is demagnetized or damaged.
  • the monitor 16 may also be separate from the POS terminal 14. However, the disclosed monitor 16 is conveniently mounted on the POS terminal 14, within the scan of a clerk.
  • Printer 18 will most likely be used for printing customer receipts such as the receipt 28 which is shown as issuing from an aperture in the housing of the printer 18. However, the printer 18 only prints receipts on an as needed basis. Other types of record media could also be generated by the printer 18, if desired, in response to the needs of the system 10. Any suitable printer may be employed, such as the Epson RP265, marketed by Epson America, Inc., Torrance, California.
  • the system 10 may also include a magnetic stripe reader (MSR) 24, either in the write input apparatus 22 or in the POS terminal 14, having a slot 30 through which a card bearing magnetic indicia may be swiped so that the data thereon can be inputted by, stored in, and used by the system 10.
  • MSR magnetic stripe reader
  • the magnetic stripe reader 24, if installed, may be an integral part of either the POS terminal 14 or the write input apparatus 22, or may be a separate device.
  • the magnetic stripe reader 16 is shown as part of the POS terminal 14.
  • the signature database 20 could be any currently maintained database, controlled by a central processing unit (CPU), which references an account number to a signature.
  • CPU central processing unit
  • the present invention envisions the use of outside databases currently maintained by financial institutions.
  • the write input apparatus 22 captures signatures electronically.
  • a system employing a pressure pad digitizer without a display may be used.
  • an ordinary pen may be used as a writing instrument for signing directly on a receipt provided on the digitizer.
  • this write input apparatus 22 is as shown in block form in phantom lines and employs commercially available components, including a liquid crystal display (LCD) module 32, and a transparent digitizer and controller 34 with associated stylus 36.
  • the write input apparatus 22 includes a transparent surface 38 through which a representation of a receipt may be seen and upon which information may be entered by writing thereon with the stylus 36 by a customer 40.
  • the stylus 36 is connected to the apparatus by an electrically conductive line 42.
  • the captured signature may be automatically printed on the receipt in the terminal 14.
  • the optional LCD display 32 is connected via a path 46 to the POS terminal 14.
  • the touch screen and controller 34 is connected to the POS terminal 14 by an RS232 data bus 48, and a similar RS232 data bus 52 connects the POS terminal 14 to the signature database 20. If a signature database from an outside source is employed, modems 54 and 56 can be employed in addition to the RS232 data bus 52 to link the POS terminal 14 to the signature database 20.
  • the POS terminal 14 may also be connected to other data processing facilities in an establishment in which it is used, such as a STARLAN store network.
  • a first embodiment of the signature verification method 60 is shown, starting with the start block 62.
  • the POS terminal 14 queries the write input apparatus 22 to see if any signature data is available. If no data is available, the query continues indefinitely until signature data is available.
  • the stylus 36 is used to sign a representation of a receipt appearing on the display 32 below the digitizer 34.
  • ROC receipt of charge
  • signature data After signature data is received, it is reconstructed and displayed, in block 66, on the monitor 16 of the POS terminal 14.
  • the account number is entered into the POS terminal 14 either by entering it manually or by swiping a magnetic card containing account information on its magnetic stripe through the magnetic stripe reader 24.
  • the POS terminal 14 sends the account number to the signature database 20 where it is received and is used in block 72 to query the database for signature data corresponding to the account number.
  • the signature database 20 sends the file signature to the POS terminal 14.
  • the file signature is displayed on the monitor 20 below the current signature already displayed back in block 66. The current and file signatures are then visually compared in block 77.
  • block 80 if the comparison in block 77 results in the conclusion that the current signature and the file signature are not sufficiently alike, then the transaction is rejected in block 82 and the method 60 returns to block 62. If the current signature is valid, then the transaction is completed by the operator in block 84. The method 60 than returns to block 62.
  • the clerk checks the card for a signature in block 74. If no card signature is available, the transaction is rejected in block 82. If a card signature is available, then the clerk must resort to a visual comparison of the card and current signatures in block 78. A valid comparison of the current and card signatures in block 80 leads to the transaction being finalized in block 84. After block 84, the method 60 returns to block 62.
  • Fig. 4 a view of the monitor 16 is shown.
  • the file signature 86 and the current signature 88 are displayed one over the other for easy letter-by-letter comparison by the clerk.
  • FIGs. 5 and 6 there are shown the system 90 and work station 92 to be used in implementing the second embodiment of the method of the present invention.
  • Figs. 5 and 6 are identical to Figs. 1 and 2, except the system 10 of Fig. 5 and the work station 12 of Fig. 6 do not include the write input apparatus 22.
  • a flow diagram of the second embodiment 93 of the method of the present invention starting with the start block 94.
  • the account number is entered into the POS terminal 14 either by entering it manually or by swiping a magnetic card containing account information on its magnetic stripe through the magnetic stripe reader 16.
  • the POS terminal 14 sends the account number to the signature database 20 where it is received and is used in block 100 to query the database for signature data corresponding to the account number.
  • the signature database 20 sends the file signature to the POS terminal 14. In block 102, the file signature is displayed on the monitor 16.
  • block 104 if a card signature is available, the card signature is compared with the file signature in block 106. If the comparison results in the conclusion in block 108 that the file signature and the card signature are not sufficiently alike, then the transaction is rejected in block 110 and the method 93 returns to block 94.
  • the card signature is compared with the current signature on a check or receipt in block 114. If the comparison results in the conclusion in block 116 that the current signature is valid, then the transaction is completed by the clerk in block 118. The method 93 then returns to block 94.
  • the clerk resorts to checking for a card signature in block 120 and visually comparing the card signature with the current signature in block 114. If there is no card signature or if a comparison between the card and current signatures results in an invalid signature, then the transaction is rejected in block 110. Otherwise, if a comparison of the card and current signatures results in a valid signature, then the transaction is finalized in block 118 and the method 93 returns to block 94.
  • Fig. 8 a view of the monitor 20 and magnetic card 119 is shown.
  • the file signature 86 and the card signature 87 can be easily compared by placing the card signature under the file signature.
  • Both the first and second embodiments of the method of the present invention are envisioned primarily for use in a retail checkout, in which signature verification must be performed contemporaneously with retail transactions.
  • the embodiments are designed, however, to be suitable for use in other environments, such as financial environments, as well. It will be appreciated that both embodiments have the advantage that a simple signature from a customer serves both for verification and for payment, and that a signed receipt is produced without requiring an additional signature.
  • the method 122 begins at start 124 when a bank customer wishes to enter new or current legal signatures, corresponding to account numbers already on file, into the signature database 20.
  • the bank has a write input apparatus 22 which is coupled to one of the bank's financial terminals, which is similar to the POS terminal 14.
  • the customer enters an account number either by the magnetic stripe reader 24 or by hand at the keyboard of the bank's financial terminal.
  • the a database operator waits for account numbers to be received from the bank's financial terminal over line 52.
  • the account number is received by the database operator, it is displayed on a monitor similar to monitor 16.
  • the database operator waits for a customer whose account number has been entered to sign his name on a write input apparatus 22 or similar device. After receiving the signature, the operator transmits the account number and signature to the signature database 20 in block 132. In block 134, if more signatures are to be entered for the same account number, the method 122 returns to block 130 to await entry of the signatures into the write input apparatus 22. If no more signatures are to be entered for the same account number, in block 136 the display is cleared to allow a new account number to be entered and the method 122 returns to block 124.
EP92304695A 1991-05-30 1992-05-22 Signature verification method Withdrawn EP0517405A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US70754591A 1991-05-30 1991-05-30
US707545 1991-05-30

Publications (1)

Publication Number Publication Date
EP0517405A2 true EP0517405A2 (en) 1992-12-09

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Family Applications (1)

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EP92304695A Withdrawn EP0517405A2 (en) 1991-05-30 1992-05-22 Signature verification method

Country Status (2)

Country Link
EP (1) EP0517405A2 (es)
JP (1) JPH05181957A (es)

Cited By (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996007150A1 (en) * 1994-08-29 1996-03-07 Securecard Technology Ltd. A method and apparatus for verifying a transaction
WO2002011039A2 (en) * 2000-07-31 2002-02-07 @Pos.Com, Inc. An interactive pos transaction system
GB2372961A (en) * 2001-01-06 2002-09-11 Richard Gerald Enston Card security system
WO2004036485A1 (es) * 2002-10-16 2004-04-29 Carlos Morales Urquiza Aparato laser con escaner para diferenciar y codificar las caracteristicas grafoscopicas de una firma autografa, movil o fijo
EP0811958A3 (en) * 1996-06-05 2004-09-29 NCR International, Inc. Self-service checkout apparatus and methods
US6968337B2 (en) * 2001-07-10 2005-11-22 Audible Magic Corporation Method and apparatus for identifying an unknown work
DE102004021285A1 (de) * 2004-04-29 2005-11-24 Lehr, Hartmuth F., Dr. Verfahren und Vorrichtung zur parallelen digitalen und handschriftlichen Unterzeichnung von Dokumenten
US7140541B2 (en) * 2005-04-22 2006-11-28 Troy Stelzer Data processing method for image lift wet signature capture within retail transaction
US7363278B2 (en) 2001-04-05 2008-04-22 Audible Magic Corporation Copyright detection and protection system and method
US7877438B2 (en) 2001-07-20 2011-01-25 Audible Magic Corporation Method and apparatus for identifying new media content
US7917645B2 (en) 2000-02-17 2011-03-29 Audible Magic Corporation Method and apparatus for identifying media content presented on a media playing device
US8006314B2 (en) 2007-07-27 2011-08-23 Audible Magic Corporation System for identifying content of digital data
US8082150B2 (en) 2001-07-10 2011-12-20 Audible Magic Corporation Method and apparatus for identifying an unknown work
US8086445B2 (en) 2000-11-03 2011-12-27 Audible Magic Corporation Method and apparatus for creating a unique audio signature
US8130746B2 (en) 2004-07-28 2012-03-06 Audible Magic Corporation System for distributing decoy content in a peer to peer network
US8199651B1 (en) 2009-03-16 2012-06-12 Audible Magic Corporation Method and system for modifying communication flows at a port level
US8332326B2 (en) 2003-02-01 2012-12-11 Audible Magic Corporation Method and apparatus to identify a work received by a processing system
US8972481B2 (en) 2001-07-20 2015-03-03 Audible Magic, Inc. Playlist generation method and apparatus
US9081778B2 (en) 2012-09-25 2015-07-14 Audible Magic Corporation Using digital fingerprints to associate data with a work
CN109427155A (zh) * 2017-08-24 2019-03-05 东芝泰格有限公司 结算终端装置及控制方法、终端设备

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MY133933A (en) * 2000-05-24 2007-11-30 Ericsson Telefon Ab L M Method and apparatus for buyer identification
US6675152B1 (en) 2000-09-13 2004-01-06 Igt Transaction signature
JP2003016399A (ja) * 2001-07-04 2003-01-17 Nippon Baruufu Kk Ｉｄ記録媒体の確認装置および確認方法
JP5784879B2 (ja) * 2010-01-06 2015-09-24 株式会社エヌ・ティ・ティ・データ 伝票参照システム、伝票参照方法

Cited By (40)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996007150A1 (en) * 1994-08-29 1996-03-07 Securecard Technology Ltd. A method and apparatus for verifying a transaction
EP0811958A3 (en) * 1996-06-05 2004-09-29 NCR International, Inc. Self-service checkout apparatus and methods
US10194187B2 (en) 2000-02-17 2019-01-29 Audible Magic Corporation Method and apparatus for identifying media content presented on a media playing device
US9049468B2 (en) 2000-02-17 2015-06-02 Audible Magic Corporation Method and apparatus for identifying media content presented on a media playing device
US7917645B2 (en) 2000-02-17 2011-03-29 Audible Magic Corporation Method and apparatus for identifying media content presented on a media playing device
WO2002011039A2 (en) * 2000-07-31 2002-02-07 @Pos.Com, Inc. An interactive pos transaction system
WO2002011039A3 (en) * 2000-07-31 2003-03-27 Pos Com Inc An interactive pos transaction system
US8086445B2 (en) 2000-11-03 2011-12-27 Audible Magic Corporation Method and apparatus for creating a unique audio signature
GB2372961A (en) * 2001-01-06 2002-09-11 Richard Gerald Enston Card security system
GB2372961B (en) * 2001-01-06 2004-09-01 Richard Gerald Enston Automated teller machine card security system
US7363278B2 (en) 2001-04-05 2008-04-22 Audible Magic Corporation Copyright detection and protection system and method
US7707088B2 (en) 2001-04-05 2010-04-27 Audible Magic Corporation Copyright detection and protection system and method
US7711652B2 (en) 2001-04-05 2010-05-04 Audible Magic Corporation Copyright detection and protection system and method
US7797249B2 (en) 2001-04-05 2010-09-14 Audible Magic Corporation Copyright detection and protection system and method
US8645279B2 (en) 2001-04-05 2014-02-04 Audible Magic Corporation Copyright detection and protection system and method
US8484691B2 (en) 2001-04-05 2013-07-09 Audible Magic Corporation Copyright detection and protection system and method
US8775317B2 (en) 2001-04-05 2014-07-08 Audible Magic Corporation Copyright detection and protection system and method
US9589141B2 (en) 2001-04-05 2017-03-07 Audible Magic Corporation Copyright detection and protection system and method
US6968337B2 (en) * 2001-07-10 2005-11-22 Audible Magic Corporation Method and apparatus for identifying an unknown work
US8082150B2 (en) 2001-07-10 2011-12-20 Audible Magic Corporation Method and apparatus for identifying an unknown work
US10025841B2 (en) 2001-07-20 2018-07-17 Audible Magic, Inc. Play list generation method and apparatus
US7877438B2 (en) 2001-07-20 2011-01-25 Audible Magic Corporation Method and apparatus for identifying new media content
US8972481B2 (en) 2001-07-20 2015-03-03 Audible Magic, Inc. Playlist generation method and apparatus
WO2004036485A1 (es) * 2002-10-16 2004-04-29 Carlos Morales Urquiza Aparato laser con escaner para diferenciar y codificar las caracteristicas grafoscopicas de una firma autografa, movil o fijo
US8332326B2 (en) 2003-02-01 2012-12-11 Audible Magic Corporation Method and apparatus to identify a work received by a processing system
DE102004021285A1 (de) * 2004-04-29 2005-11-24 Lehr, Hartmuth F., Dr. Verfahren und Vorrichtung zur parallelen digitalen und handschriftlichen Unterzeichnung von Dokumenten
US8130746B2 (en) 2004-07-28 2012-03-06 Audible Magic Corporation System for distributing decoy content in a peer to peer network
US7140541B2 (en) * 2005-04-22 2006-11-28 Troy Stelzer Data processing method for image lift wet signature capture within retail transaction
US9268921B2 (en) 2007-07-27 2016-02-23 Audible Magic Corporation System for identifying content of digital data
US8732858B2 (en) 2007-07-27 2014-05-20 Audible Magic Corporation System for identifying content of digital data
US8112818B2 (en) 2007-07-27 2012-02-07 Audible Magic Corporation System for identifying content of digital data
US9785757B2 (en) 2007-07-27 2017-10-10 Audible Magic Corporation System for identifying content of digital data
US8006314B2 (en) 2007-07-27 2011-08-23 Audible Magic Corporation System for identifying content of digital data
US10181015B2 (en) 2007-07-27 2019-01-15 Audible Magic Corporation System for identifying content of digital data
US8199651B1 (en) 2009-03-16 2012-06-12 Audible Magic Corporation Method and system for modifying communication flows at a port level
US9081778B2 (en) 2012-09-25 2015-07-14 Audible Magic Corporation Using digital fingerprints to associate data with a work
US9608824B2 (en) 2012-09-25 2017-03-28 Audible Magic Corporation Using digital fingerprints to associate data with a work
US10698952B2 (en) 2012-09-25 2020-06-30 Audible Magic Corporation Using digital fingerprints to associate data with a work
CN109427155A (zh) * 2017-08-24 2019-03-05 东芝泰格有限公司 结算终端装置及控制方法、终端设备
EP3457368A1 (en) * 2017-08-24 2019-03-20 Toshiba TEC Kabushiki Kaisha Settlement terminal device and control method of settlement terminal device

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